2010 Lexus IS 250 Car Insurance Rates – 10 Ways to Save

If shopping for car insurance online is new to you, it’s easy to be confused by the hoards of companies all offering big savings.

The best way to compare car insurance company rates is to understand most of the bigger providers have advanced systems to quote your coverage. To start a quote, the only thing you need to do is provide the companies a bit of rating information like how much you drive, marital status, your job, and whether your vehicle is owned or leased. That information is automatically sent to many of the top insurers and you will receive price estimates within a short period of time.

To check rates for your 2010 Lexus IS 250, click here and enter your coverage details.

Verify you’re getting all your discounts

Insurance can be prohibitively expensive, buy you may qualify for discounts that you may not even be aware of. Larger premium reductions will be automatically applied when you get a quote, but a few need to be specifically requested before you will receive the discount.

• Save over 55 – Mature drivers may be able to get a discount up to 10% on IS 250 coverage.
• Seat Belt Usage – Buckling up and requiring all passengers to use a seat belt can save 10% or more off your PIP or medical payments premium.
• More Vehicles More Savings – Insuring multiple cars or trucks on the same car insurance policy can get a discount on all vehicles.
• Auto/Home Discount – When you have multiple policies with the same insurance company you may earn at least 10% off all policies.
• Student in College – Youth drivers who live away from home and don’t have a car can receive lower rates.
• Braking Control Discount – Anti-lock brake equipped vehicles can avoid accidents and therefore earn up to a 10% discount.
• Memberships – Affiliation with a professional or civic organization could qualify you for a break on car insurance on IS 250 coverage.
• New Vehicle Savings – Adding a new car to your policy can save up to 30% since new cars are generally safer.
• Passive Restraints – Vehicles equipped with air bags or automatic seat belts can qualify for discounts of up to 25% or more.
• Drive Less and Save – Keeping the miles down on your Lexus could qualify for better rates on cars that stay parked.

Consumers should know that most discount credits are not given to your bottom line cost. Most only cut the cost of specific coverages such as comprehensive or collision. So even though it sounds like all the discounts add up to a free policy, it doesn’t quite work that way. Any qualifying discounts will reduce your premiums.

To see a list of insurance companies offering car insurance discounts, click here.

When should I talk to an agent?

When choosing the right insurance coverage for your vehicles, there is no perfect coverage plan. Your needs are not the same as everyone else’s.

These are some specific questions might point out whether you might need an agent’s assistance.

• Does my medical payments coverage pay my health insurance deductible?
• Why am I required to buy high-risk coverage?
• Can my babysitter drive my car?
• Does coverage extend to a rental car in a foreign country?
• Does my policy cover my teen driver if they drive my company car?
• Does my 2010 Lexus IS 250 qualify for pleasure use?
• Does my car insurance cover rental cars?
• Is a fancy paint job covered?
• Am I better off with higher deductibles on my 2010 Lexus IS 250?

If you can’t answer these questions, then you may want to think about talking to a licensed agent. To find an agent in your area, take a second and complete this form.

Auto insurance coverages

Knowing the specifics of car insurance aids in choosing the best coverages and the correct deductibles and limits. The coverage terms in a policy can be ambiguous and reading a policy is terribly boring.

Liability coverages – This coverage can cover damage or injury you incur to a person or their property that is your fault. Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show values of 25/50/25 which stand for $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged propery. Occasionally you may see a combined limit that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability insurance covers claims like court costs, bail bonds, legal defense fees, repair bills for other people’s vehicles and medical services. How much liability should you purchase? That is a decision to put some thought into, but you should buy as much as you can afford.

Collision coverage – Collision coverage pays for damage to your IS 250 resulting from colliding with another car or object. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims such as crashing into a ditch, crashing into a building and colliding with a tree. Collision coverage makes up a good portion of your premium, so consider dropping it from older vehicles. You can also choose a higher deductible to bring the cost down.

Coverage for medical payments – Med pay and PIP coverage kick in for short-term medical expenses for things like surgery, hospital visits, ambulance fees, chiropractic care and funeral costs. They are often used in conjunction with a health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover all vehicle occupants and will also cover if you are hit as a while walking down the street. PIP coverage is not available in all states and gives slightly broader coverage than med pay

Uninsured and underinsured coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when other motorists do not carry enough liability coverage. Covered losses include injuries sustained by your vehicle’s occupants as well as damage to your Lexus IS 250.

Due to the fact that many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is important protection for you and your family. Usually the UM/UIM limits are set the same as your liablity limits.

Comprehensive coverages – Comprehensive insurance covers damage OTHER than collision with another vehicle or object. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things like falling objects, a broken windshield and hail damage. The highest amount you can receive from a comprehensive claim is the actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.